The Berean asks, "Who or what are we acountable to for our actions?"
Look at the framing of the question. In effect, do 'we' have to be "accountable" to someone in order for our actions to be 'moral'? The phrasing implies a NEED for a dominating, fear-generating controller in order for humans to behave in a 'moral' way...
I give the human race more credit than that. Most humans who are not under extreme duress will behave in a 'moral' way because they expect it of themselves. Most forms of crime/warfare are based in FEAR, once one analyzes the motivation...
For example, the couple who ran off with $2 mil. bank error - their fears were - lack of money for retirement, lack of ability to make such monies themselves, lack of courage to attempt earning that much money, lack of self-worth sufficient to feel secure in their future WITHOUT taking the money...
Unfortunately, Religions Generate/Accellerate such fears! Most of us posting on this board have seen enough of the manipulations of the WTBTS to realize this; most other religions have some level of this type of denigration/manipulation, too...
I, personally, am only accountable to myself for my actions. If I don't behave in a way that I feel/think is 'right', my own mind can be a terrible jailer...
This does not necessarily hold true for everyone... However, the idea of a ready, "God-made" forgiveness actually tends to increase crime, not decrease it - above and beyond that, look at religious wars - extreme violence and cruelty because they were 'accountable' for increasing converts...
I vastly prefer being able, as a [pagan Goddess-worshipping] atheist, to weigh all the factors and act in a manner that I feel is just and right, not some behaviors preferred by the mythology of a recently formed, Middle Eastern male god of a group of ignorant, backwards desert nomads...
Zid